Page 379 - Personal Finance

Consider festive offers that lower your cost of house acquisition

Don't let freebies blind you to key considerations like location, infrastructure, and the developer's record

Govt hikes Q3 interest rates on some small savings schemes by up to 30 bps

The revision comes after nine quarters of status quo. The interest rate on small savings schemes was last revised during the first quarter of 2020-21, when rates were slashed

Buy an adequate OPD cover to take care of mental health treatment

Most of these ailments are treated on outpatient basis, so just a hospitalisation cover won't suffice

Check ITR for discrepancies before responding to notice from tax dept

Respond on time, with expert help if required, to prevent further punitive measures

What borrowers should know about their rights against loan recovery agents

People who fail to repay their loans are not criminals and they can't be harassed

Transparency as antidote to conflict of interest

Far from being a hindrance to our practice, transparent disclosure of conflict of interest is a powerful tool that has helped us gain clients' trust

Applying for a digital loan? Stick to loan apps on RBI's white list

The name of the bank or NBFC on whose behalf the app lends should be mentioned on the former's website

Govt bonds and immediate annuity plans: 2 options for retirement income

The first offers a guaranteed rate of return for long; the other secures income for the rest of your life

Fund pick: ICICI Pru Midcap Fund

Fund pick of ICICI Pru Midcap Fund

A snapshot of home loan rates offered by various banks and HFCs

Here is how the home loan rates offered by various banks and housing finance companies stack up

Assess maximum possible loss before entering F&O trade: Experts

Have sufficient capital as buffer to be able to meet additional margin requirements

EPFO moving towards automation; set to rationalise workforce for efficiency

EPFO said it is moving more from forceful compliance to voluntary compliance. And, in the future, it will be fully governed by technology

EPFO sees over 1 million new subscribers for fourth straight month

Though fresh additions slip sequentially in July, women enrolment at a record high

Losing steam: Average NFO collection slumps in FY23, shows data

At Rs 260 crore, average amount mobilised per new fund offer 57% below last financial year's tally

EPFO adds 1.8 mn subscribers in July, posts 24% YoY rise, shows data

Gender-wise analysis of payroll data indicates that enrolment of net female members has been 4.06 lakh in July 2022, up by 34.84 per cent compared to that in July 2021.

Stay invested in US funds even if returns aren't attractive currently

It helps to diversify geographically; while YTD returns of Indian markets are positive and US markets negative, the opposite will also happen at some other time

Don't change your pension fund manager unless investment lags others

Currently, variability in performance for investor portfolios over five-year horizon is low

Bet on multi-cap funds for disciplined exposure across market caps

However, the minimum 25% exposure to each of the three market caps also makes them volatile

Fund pick: IDFC Dynamic Bond Fund

Fund pick of IDFC Dynamic Bond Fund

A snapshot of health insurance plans offered by companies with details

Here is how the health insurance plans offered by various companies stack up